PDA

View Full Version : insurance for jeeps


alek21
September 2nd, 2008, 15:02
what do you guys have for insurance? just got an xj with a 5.5" rubicon long arm kit, and our insurance company doesnt want to insure it... what do you guys have? prices? i know mine will be higher cuz im only 17, but i get the good grade discount... idk im just pissed..

4xSanta
September 2nd, 2008, 15:05
what do you guys have for insurance? just got an xj with a 5.5" rubicon long arm kit, and our insurance company doesnt want to insure it... what do you guys have? prices? i know mine will be higher cuz im only 17, but i get the good grade discount... idk im just pissed..

I have AAA.......SANTA

erikwylie
September 2nd, 2008, 15:05
I have progressive and had 0 problems with them

codyj86
September 2nd, 2008, 15:06
hm, interesting. i've never had any problems. and i've owned a few hot cars in the few years i've been driving (im 22 now). i go through my local insurance company. who is underwriten by western national. great coverage and i only pay $70? /month for my wife and i both on three vehicles.

edit: i had progressive^ for my motorcycle, also great service...

alek21
September 2nd, 2008, 15:11
dang 70 a month is pretty good!! im not sure who we have, trying to find out right now.. they said the limit for a lift is 3",, but its not a for sure thing they wont yet, said they'd call back in like a day or two... still sucks, now i have to go back to driving the beater!! nooo! haha

Leep
September 2nd, 2008, 15:13
I have safeco.

6 Veh on the policy and supplemental for the boat or the enclosed when towing.

06 Chevy HD
96 XJ - 4X4
00 Durango - 4X4
89 XJ - 4X4
87 XJ - 4X4
94 Motorhome

With supplemantal for using any vehicle to tow. Our son xtimmax which is on the policy to drive anything at any time and is 18. All this for only 213 a month.

Very reasonable.

Good luck

besthaticouldo
September 2nd, 2008, 15:14
progressive dude....

i have a grip of tickets and a few accidents when i was a lot younger.

i have a bad driving record and its 160 a month. so i cant really complain.

plus whenever i have a problem its 24hr service.

also progressive didnt ask shit about my jeep. they asked for vin and that was it.

silverslk
September 2nd, 2008, 15:20
I have Geico and they have been great to me. BAck in the day I filed a claim, took it into one of their shops for an estimate and received the check that same week!!!

When I was 23 I had a 4 year old 3 series and it got totaled by my buddy (who also got a DUI) and they paid it off no problem. I say at least talk to GEICO tell me what they say. I never added my long arm kit to the insurance but its got full coverage.

Oh, BTW. For full coverage on my jeep and benz and liability on my wifes honda I pay $200/month with a DUI on my record.

alek21
September 2nd, 2008, 15:35
I have safeco.

6 Veh on the policy and supplemental for the boat or the enclosed when towing.

06 Chevy HD
96 XJ - 4X4
00 Durango - 4X4
89 XJ - 4X4
87 XJ - 4X4
94 Motorhome

With supplemantal for using any vehicle to tow. Our son xtimmax which is on the policy to drive anything at any time and is 18. All this for only 213 a month.

Very reasonable.

Good luck


oh dang thats pretty good.. and does the company know about the lift on his jeep? ive seen his jeep before,, seems to be about a 5" lift or so??

thanks for the info guys!

cal
September 2nd, 2008, 16:14
I've got SafeCo as well, but I was told that as of my policy ending they will no longer offer liability on a lifted rig, and I'm going to have to change insurance companies.

I'm going back to AAA.

djblade311
September 2nd, 2008, 17:14
i have mercury and havent had any problems with them luckily.

danwho
September 2nd, 2008, 17:19
Allstate here. They told me they would limit the suspension to "stock plus $1500". I think they're high.

swbooking
September 2nd, 2008, 17:21
Not to piss on Mercury (Sorry Josh) But i would never go with them. They completely screwed my roommate over on his Scrambler that was stolen and wreaked. Long story short, no compensation and they are actually trying to collect on HIM...

I have State Farm FWIW.

alek21
September 2nd, 2008, 17:56
thanks for all the info guys... yea i keep getting quotes.. all seem to be about a grand for six months... which sucks. haha... but still hoping our original one will accept it!! im crossin my fingers! lol

FlexdXJ
September 2nd, 2008, 18:02
you are 17 with a 4x4 your insurance is gonna be high. If you don't drive like an idiot it will go down just remember that! BTW i have safe auto. Full coverage on my jeep plus liability on my brother's civic is 185 with a DUI on his record

alek21
September 2nd, 2008, 18:10
you are 17 with a 4x4 your insurance is gonna be high. If you don't drive like an idiot it will go down just remember that! BTW i have safe auto. Full coverage on my jeep plus liability on my brother's civic is 185 with a DUI on his record

yea i expect it to be high... but 2k a year?? idk i was expecting like 1500 or so... yea im a safe driver, not a speedracer thats for sure, and get 3.5gpa give or take..

Leep
September 2nd, 2008, 18:20
oh dang thats pretty good.. and does the company know about the lift on his jeep? ive seen his jeep before,, seems to be about a 5" lift or so??

thanks for the info guys!

We have liability only on the 87 and the 89. Full coverage on the rest. No matter of the lift and acessories, if someone else causes an accident we are covered no matter what as long as we show documentation of costs for parts.

The advantage is we dont have any accidents or DUI on the record. Tim has one but it was written off as not at fault.

ManBearPig
September 2nd, 2008, 18:33
I have progressive and had 0 problems with them


I have Progressive and 0 problems with me also



progressive dude....

i have a grip of tickets and a few accidents when i was a lot younger.

i have a bad driving record and its 160 a month. so i cant really complain.

plus whenever i have a problem its 24hr service.

also progressive didnt ask shit about my jeep. they asked for vin and that was it.

I had 6 speeding tickets within a 2-3 yr period. Right now after 2 yrs with them I have 1 speeding ticket and one "not at fault" accident affecting my rate. The coolest thing is that after my accident my rates didnt go up, and every 6 mo my premiums have gone down signifficantly. Right now I have full coverage on my focus and liability on the jeep all for 125 /mo for the next six mo. Also XJ's are registered as station wagons so that helps with rates.

TwistedcaB
September 2nd, 2008, 18:52
im 17 and have a 6" lift on mine. not sure on the insurance company. but then again they dont know. and what they dont know wont hurt em haha.

GrimmJeeper
September 2nd, 2008, 18:58
im 17 and have a 6" lift on mine. not sure on the insurance company. but then again they dont know. and what they dont know wont hurt em haha. but it may hurt YOU if you ever get in an accident. they can flat out deny your claim because the vehicle is modified, saying "your bumpers are too high and caused more damage to the other vehicle because of it" is a common one. you should always let em know what has been done to your jeep, they are there to protect you. if they deny you because of it find a new company.

xcm
September 2nd, 2008, 18:59
i went from age 18-24 driving under the radar.... due to losing my liscense, minimally, but still.
when i finally paid off one of the tickets (two dissapeared over the 4-5 year period, never paid em)
i was rewarded with a COMPLETELY clean dmv record! No points! gotta love the dmv

alek21
September 2nd, 2008, 19:28
im 17 and have a 6" lift on mine. not sure on the insurance company. but then again they dont know. and what they dont know wont hurt em haha.

haha thats the attitude i had till i found out if i got in an accident the insurance company can straight up deny you, then your out of a jeep, and money to buy a new one/fix the one in the crash... so i decided to just be honest and tell them, will definitely pay off if anything happens.

TwistedcaB
September 2nd, 2008, 20:33
we'll they never asked if the jeep was modded at all. and the insurance guy knew i had the " modding itch " haha

besthaticouldo
September 5th, 2008, 10:38
I had 6 speeding tickets within a 2-3 yr period. Right now after 2 yrs with them I have 1 speeding ticket and one "not at fault" accident affecting my rate. The coolest thing is that after my accident my rates didnt go up, and every 6 mo my premiums have gone down signifficantly. Right now I have full coverage on my focus and liability on the jeep all for 125 /mo for the next six mo. Also XJ's are registered as station wagons so that helps with rates.

dang...thats what im hoping happens. i have tickets, but they are starting to fall off right now.

mikedashg
September 5th, 2008, 13:44
I use to have Geico, then I switched to AAA and saved a ton of money on my car insurance. I got 3 vehicles and two drivers and it's pretty cheap, but they're old vehicles, and I don't have much coverage on em. They also think my Jeep is stock. But I get good driver discounts, older then you, multi-vehicle discounts, and discounts for being a long standing member.

ManBearPig
September 5th, 2008, 14:18
dang....

Dang is right. As soon as I got my focus is when the tickets started rolling in one by one lol

homebrew
September 6th, 2008, 08:34
I have USAA I pay 88 a month for full coverage on my avalanche and liability on the jeep. I used to have full coverage on the jeep but took it off because I was penny pinching.

sharq
September 6th, 2008, 08:36
call progressive. dont tell them its lifted.

89cherokeexj
September 6th, 2008, 09:34
I have allstate and pay 77 a month. I have never had an insurance compnay ask me if my truck was lifted. Are they suppose to do that?? I am jus curious because like I said I have never heard of them asking that.

alek21
September 6th, 2008, 10:10
call progressive. dont tell them its lifted.

no its not smart to do that. if you get in an accident they will say ur jeep is unsafe, and because it is lifted it caused more damage, and hurt the people more, which is understandable if you think about it. if you just be honest, they will call you out and you will have it inspected, and they will insure it if it is safe. that way, ur good in an accident either way.

alek21
September 6th, 2008, 10:14
I have allstate and pay 77 a month. I have never had an insurance compnay ask me if my truck was lifted. Are they suppose to do that?? I am jus curious because like I said I have never heard of them asking that.

well i am getting allstate on moday/tuesday (thanks to dean), and yes you are suppose to tell them it has a lift. when you tell them that you will go to a local agent and get like a 5 minute inspection, once you pass that, you are good and insured safely, lol.. but i discussed not telling them it has a lift with a couple insurance companies. and they said if you dont tell the m and get in a accident, they can straight up deny you of everything, then you are screwed. so i was just honest. haha

saki669
September 6th, 2008, 22:35
well i am getting allstate on moday/tuesday (thanks to dean), and yes you are suppose to tell them it has a lift. when you tell them that you will go to a local agent and get like a 5 minute inspection, once you pass that, you are good and insured safely, lol.. but i discussed not telling them it has a lift with a couple insurance companies. and they said if you dont tell the m and get in a accident, they can straight up deny you of everything, then you are screwed. so i was just honest. haha

Yes you need to be honest. The first thing they will do when you make a claim is try to find a way out of paying it. Don't make it easy for them by lying! They will find out.
I have had great experiences with Allstate. I was paid out well when I wracked up my lifted XJ. They covered the full amount of the vehicle plus $1000 in aftermarket parts (wheels, tires, lift, etc) as long as I had proof of purchase.
http://72.25.124.119/rolled_yellow.jpg

I still have coverage with them on the vehicle after I bought it back salvaged. They didn't care as long as it was registered.

sharq
September 7th, 2008, 10:24
i think certain companies have different allowances for lifts. some will only insure to a certain height. what heights have you guys heard?

alek21
September 7th, 2008, 12:25
i think certain companies have different allowances for lifts. some will only insure to a certain height. what heights have you guys heard?

well the last place we were with would only allow a 3" lift, so we are moving to allstate, very good customer service and get your quotes to you fast, all i have to do before they insure me is get it inspected.

ncm2005
July 29th, 2009, 07:41
Thanks for this thread, I'm going to call my agent and list the mods with him. I have experience with Progressive (with Erie now) I had a 4 wheeler stolen, and they denied the claim. Apparently I "had too many points on my license to be covered". I thought that was funny since I told my agent, who carried my automobile policy for a couple years at that time, to pull a report because I was unsure of dates and citations.

I was told by lawyers it cost me more then the 4 wheeler was worth $5,200 to fight their decision. They have the best adjusters (best at screwing the customer) the guy was so good he was even cocky about it.

Progressive Insurance
"adding insult to injury since 1937"

Oh and I forgot to mention I still owed like $3,700 on it and I always paid my insurance premuims on time. I was like 18 or 19 so it took me years to pay it off (I was never late) like 2-3 years I think. Everytime I wrote out a check to make my monthly and looked at my POS car and my POS apartment a hate boiled inside. I'm looking forward to the collaspe of civilazation and a Mad Max style of life, where I will spend my time hunting Ex insurance employees and inflicting a barage of justice on them. Every upgrade to the XJ is to serve in that goal.

boostamante
July 29th, 2009, 08:00
FWIW, i have E-surance. I use to pay $304 for 6 mos just on my 88 civic and when i added my rig it only went up another 60 bucks. Cant complain. Though i might be looking into AIS.

IslanderOffRoad
July 29th, 2009, 10:45
I have Mercury, liability only on my XJ. Costs me 10 bucks a month to insure the XJ with my Accord as the primary vehicle.

IslanderOffRoad
July 29th, 2009, 10:50
i went from age 18-24 driving under the radar.... due to losing my liscense, minimally, but still.
when i finally paid off one of the tickets (two dissapeared over the 4-5 year period, never paid em)
i was rewarded with a COMPLETELY clean dmv record! No points! gotta love the dmv

Thats pretty pathetic.

boostamante
July 29th, 2009, 11:00
I have Mercury, liability only on my XJ. Costs me 10 bucks a month to insure the XJ with my Accord as the primary vehicle.


did you go through mercury directly or did you use a insurance broker?

SanDiegoXJ
July 29th, 2009, 11:55
Esurance, full coverage for 1994 Jeep Cherokee and 1993 Honda Civic, $63 a month.

ocean_jet
July 29th, 2009, 11:55
Hmmm... was I suppose to inform my insurance company when I lifted my Jeep and took off the sway bars and put larger tires on it?

I never even thought about doing that...

IslanderOffRoad
July 29th, 2009, 12:35
did you go through mercury directly or did you use a insurance broker?

I use a Mercury Agent.

For my 06 Accord and my 94 XJ I pay 135/month.

24 no tickets/accidents.

AL BUNDY
July 29th, 2009, 15:01
How did they know it was lifted? I have Mercury and they have never asked. Nevermind, I didn't see I was just on the 1st page.

cracker
July 29th, 2009, 18:48
I use a Mercury Agent.

For my 06 Accord and my 94 XJ I pay 135/month.

24 no tickets/accidents.

Do they (Mercury) know that the XJ is modified?

boostamante
July 29th, 2009, 22:49
I use a Mercury Agent.

For my 06 Accord and my 94 XJ I pay 135/month.

24 no tickets/accidents.

AIS insurance got me a quote for Mercury for 260 for 6 months. That covers my 88 civic and the 91 XJ. Im 30 so i guess after 25 the cost of insurance goes down. woo hoo!

xtimmax
July 29th, 2009, 22:54
I have explorer insurance for my jeep. Its 52$ a month for liability.

And thats for a 19 year old with a clean record.

Wiser
July 29th, 2009, 22:56
I have explorer insurance for my jeep. Its 52$ a month for liability.

And thats for a 19 year old with a clean record.
and a nice fat speeding ticket :anon:

xtimmax
July 29th, 2009, 22:59
and a nice fat speeding ticket :anon:

1. The cop was a prick, he knows it and I did my best to make sure he knows it, I was doing the flow of traffic, he just targeted me because my race

2. I paid the little extra on the ticket, traffic school here I come!!!

Wiser
July 29th, 2009, 23:02
1. The cop was a prick, he knows it and I did my best to make sure he knows it, I was doing the flo of traffic, he just targeted me because my race

2. I paid the little extra on the ticket, traffic school here I come lol yeah man ure the whitest mexican ;).:wantyou:

Wildman89
July 29th, 2009, 23:07
i have progressive and never had any problems with me my wife a 99 expedition AWD (full coverage)and my xj were right at $100/mo.

xjfrankie
July 30th, 2009, 00:02
I have EASTWOOD and AAA for towing.....

-Frankie

BeamMeUp
August 22nd, 2009, 21:20
Lifted Jeeps are like the military's policy. Don't ask, don't tell. I have mine insured thru the regular auto, I just told them it is 4wd it is $60 per month. They will not cover the mods to it anyway. I have full coverage, just to cover my loss in the event of the roll.

ncm2005
August 24th, 2009, 07:07
I had lunch with my Erie Ins rep, and talked to him about my Jeep and mods. He said that I'm covered except for mods, but most OEM parts rival the cost of aftermarket parts.

Another concern I always had was, "what if I rolled it off road, would I be covered?" He said that when I insured it they knew it was a JEEP and that they are built to go off road and I was covered.

I don't know if this helps you guys much though because company policies differ I'm sure, and I think Erie Ins. is regional to the Midwest.

I'm with BeamMeUp with silence typically, however I own a business and have to protect it with high liability protection and full disclosure to my agent so my situation is a little different, but even if I was just a homeowner with maybe 10% or more equity in my house I'd want to protect that personal wealth with sound coverage.

Just my 2 cents....